Insurance time again

Not so. It too will pay for damage to anything else you may hit with
the vehicle.

 

One can be *less* careless than ogden?!

 

BT,DT. My file was in a red folder rather than the buff files
everbody else had. They told me that was because the capacity of the
red ones was greater, but I didn't believe 'em.

AOL. Total losses, a bunch of SOfour-wheeled sheds. Rolled, crashed,
shunted and snapped in half.

 

Fewer.

 

What - fewer than one?

 

Hmm. Doesn't that only apply to protected NCD? If it's not protected,
you claim, you lose all of it.

In my defence, I've only had two claims in over a decade. One when my
ZXR was nicked (hardly my fault), the other after the big one in 2006. I
don't think I've ever racked up more than three years' NCD on a bike for
one reason or another.

Now my car policy, otoh, more NCD than you can shake a stick at. 14
years now, I think.

 

I don't think anybody's disputing that particular point.

 

Not AIUI. If it's protected, it's "protected" (as long as you don't
change company/broker) and your discount won't decrease. Your premium
may, of course, increase "due to other causes, not a reduction in
NCD". You (again, AIUI) only stand to lose the last two years'
accumulated NCD - so you'd go from 60% to 40%, or in your stated case,
40% to fuckall.

Consistent 'racking up' is something that comes with age, it seems.
As time passes more quickly, the discount accumulates more readily.

14 years it may be, but you're still going to top out at your InsCo's
whim - 60, 65, or 70% depending on the Co or broker's attitudes.

 

They don't seem to do multi-bike policies online.
Any recommendations for other online brokers that do?

 

No.

I've never found it worthwhile trying to get quotes for multi-bike
policies online. You'll have to phone around.

Try BikeTeam, they've always done me (and several others) a good deal,
even after they got taken over by someone else.